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DMP/DFW abbreviations
Hi, I'm a newbie Can't get my head around alot of the jargon. Only just found out what SOA stands for!!!! Cheers Paul
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Proving Income Self employed
Hi, I was just wondering and hoping that someone might know the best way of proving my Husbands income. He is Subcontracted on a Selfemployed basis. He works for the same bloke all of the time and his boss pays income tax for him out of his wages, but he doesn't get a payslip or anything. My husband just has to write down…
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What have you done today that's DFW Stylee - Sunday 23rd
Thought I'd get this one in early today as I think it helps others to think about what they can do to have a DFW style day! I have got up determined to clean my house properly. We have boxes of stuff lying around (mainly work paperwork for me) and it's getting me down so I'm clearing it away. I've got ironing to do ...…
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good news which may help others
hi all thought ild share my good news with you all yesterday i went to the bank and got a shock child tax credit have paid into my account 553.00 i :T phoned them up to check this was right and was told it was money they owed me from last year as they underpaid me as my oh income went down by 80.00per week but i didnt…
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MBNA - Blackmail
Well it feels like it anyway. I'm in the last stages of trying to set up an IVA and my ceditors meeting is in May. I've recently been contacted (again) by MBNA saying that my large debt with them is about to default (4 days before the meeting) and I need to pay them approx £160 to allow them to hold it for another month. I…
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Late payment of parking fines, charges and baliffs
Hiya. Posting on behalf of a friend, though I'm not sure this is the best board. Anyway, my friend has money troubles and she's managed to get some parking tickets recently. I think they started at £30 each, but each time she didn't pay them (couldn't afford to) they added on loads of charges. The other day the baliffs…
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Littlewoods
Right hi guys :wave: Didnt have the foggiest where to put this so mods move where ever you like. My grandad has had my cousin living with him for a few years even though he is bleeding him dry. A few months back he went on the internet and ordered a mobile phone on contract in my grandads name. He found out about that when…
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despairing
Hi Just applied online for a current account with Cahoot, hadn't realised a decision would come up instantly, and have been refused ... "Your personal credit details do not satisfy our credit scoring requirements ... we do offer a manual review process. To find out more on this decision please send an e-mail ... with the…
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The DFW Virtual Book Club
OK folks, hope you're all well. I was in chatting to MinnieSpender in this thread and we got talking about book recommendations. Then this happened: So here it is. So far here are the recommendations: I would recommend "The Millionaire Next Door" by Thomas J Stanley, and "Transforming Debt into Wealth" by John Cummuta.…
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Buddiebabe's SOA / Debt Diary
Hi there Im 28yrs old and im in debt....... that feels so much better :T Before xmas i owed nearly £45000 on credit cards £20000 on loans and my mortgage of £25200 due to just sticking my head in the sand and using my credit cards thinking that it would all just go away. I seemed to be managing by using one credit card to…
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Council Tax - Attachment of earnings
Apologies if you've read this in the Benefit/ Tax forum - not sure where to place it........ Can anyone advise as to what i should do? I recieved a letter from the COuncil in March stating the amount that was still owing. This was due to my partner being out of work last year, claiming council tax benefit and being denied…
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DCA Madness ( AKA NCO Collections)
Hi all had a very strange phone call from NCO yesterday! We are currently doing a DMP with Payplan, and pretty much everyone has accepted the offers made with a couple of exceptions one of them being NCO. The original debt was for a Capital One card with a balance of £1,200 on it. Having been plagued by calls from NCO and…
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New credit counseling corp?
anyone dealt with this delray credit counseling corp before? "Delray Credit Counseling is a non-profit educational service that offers a variety of financial educational services. Ranging from non-profit free credit counseling, debt consolidation, budgeting, understanding credit reports and scores as well as understanding…
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Hello from a newbie
I have been a lurker on this site for many months now but have finally decided to join. I am around 25,000 in debt (its hard actually writing it down). I am ashamed to say that it is not because of anything like redundancy, illness or anything like that, just out of control spending and three consolidation loans later here…
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Bankruptcy and Bank Accounts
Hi, I am trustee of my 2yr olds bank account which becomes his once he's 18. Basically, can OR touch a childs savings account that I am trustee too if I were to go BR? The bank the account is in say's that it is safe 100%, but still, better check with you guys!! Thanks Paul
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Is everyone dealing with CCCS or Payplan?
Hi Iam just about managing the monthly payments every month but have no spare cash for birthdays/ xmas or emergencies. Is everyone using a debt service or are people just cutting back and paying minimum payments? Tracey
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applepie SOA
As a long time lurker I think it's time I posted my SOA to see if there are any ways to cut back applepie .
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Nearly fell off!!!!
Hi Have not been around for a bit. The last few weeks have been awful!! i had a cousin suddenly die of a brain tumour only 10yrs older than me, leaving two kids. As you can imagine i have been through all sorts of emotions mainly "what's the bloody point"" life's to short.(they weren't short of money money didn't help!!)…
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keeping payments regular
hi again. as i have now wrote off to all my creditors and made realistic offers of payments, do i have to keep to the set amount, or is it possible to make additional payments. these would not be regular though, so did not set the initial amount too high. i am just thinking, when £2 savings start to add up, or when i have…
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When you cant afford to go out - do you make excuses or tell the truth?
With my close friends and family it is fine, they know a bit about the situation (although there is sometimes pressure) but when other friends ask us out like for dinner and cinema I dont know whether to explain or make an excuse! what do you all do?
